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The Three Deadly Property Sins

Our furnace malfunctioned last week causing smoke damage to our building, machinery and inventory. We already paid our deductible, but now the insurance company is telling us that they will only pay for one- half of the damages. My building burned down last month, but now the insurance company refuses to pay for the fire […]

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Jumping For Joy?…I Think Not!

What child doesn’t enjoy jumping on a trampoline?  I know if my children find out we are going to a house where there is a trampoline, I don’t have to ask them to get in the car, they’ve  already buckled themselves in!  But insurance companies don’t feel the same way.  They consider trampolines to be […]

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Mind the Gap

  If you own property, whether personal or commercial, most likely you have a walkway or sidewalk, and most likely you are not checking the condition daily for cracks or gaps.  If a person trips or falls on your property, you may be faced with a personal injury lawsuit with negligence being the cause of […]

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I Only Want The Best (Except For When It Comes to Insurance)

As insurance advisors, we are given insurance proposals received by our clients from other insurance agents that have a lower premium than what our client is currently paying. Our client is impressed by the lower premium and wants to make a change. It constantly amazes me that those same insurance buyers take a far different […]

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Insurance “GOTCHA”

 WATCH OUT FOR THE “GOTCHA” You learn something new every day in the insurance business. We have seen insurance companies deny claims because many policyholders did not properly negotiate their policy.  Insurance policies are written BY lawyers FOR lawyers, and let’s face it, most insured’s and insurance agents are not lawyers. There are hundreds or […]

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Liability On The Trails

It’s finally here. Your long anticipated group ride on your bicycle.  You get out your map and review the route, and go over your safety checklist before hitting the road. You’ve got everything you need. The group begins to strap on their helmets, but you can’t stop thinking that you’ve forgotten something.  You know the steps […]

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